The evidence of higher income inequality leading to increased HIV prevalence through channels of coercion and migration … relationship. Initially from income inequality to HIV prevalence; then from HIV prevalence to reduced human capital formation and … subsequently generating human capital inequality via reduced investment in human capital of affected households and back to income …

problem. This study analyses the effect of household income and savings on loan refusal and the intensity of loan refusal in … income and savings inversely relate to loan refusal and the intensity of loan refusal at their respective significance levels …. It is also shown that low-income and low-savings households are more likely to be discouraged from loan applications than …